About the Role
Robert Walters is representing a dynamic client seeking an innovative Head of Consumer Credit Products to spearhead the design and rollout of a cutting-edge consumer credit offering. This is a foundational build role focused on establishing a licensed, trading operation across multiple African markets within 18 months, requiring deep strategic vision and hands-on execution from day one.
Key Responsibilities- Own the consumer credit programme end-to-end, encompassing licensing strategy, product design, credit policy, and commercial performance.
- Lead regulatory licence applications across multiple African markets in collaboration with external counsel.
- Design inclusive credit products utilizing alternative repayment data and compliant pricing architectures.
- Define comprehensive collections operations, risk management frameworks, and portfolio targets.
- Engage development finance institutions and capital partners to secure funding for the scaling credit book.
- Build and mentor a high-performing team as the programme expands.
- 3 to 7 years of experience building or scaling financial products from scratch in emerging markets such as Sub-Saharan Africa.
- Direct, hands-on experience navigating regulatory licence applications in African or Asian markets.
- Proven expertise in credit policy design, portfolio management, and non-performing loan (NPL) recovery.
- Familiarity with West African or East African financial services regulatory frameworks.
- Strong background in digital lending, asset financing, device financing, or PAYGO models.
- Existing professional relationships with development finance institutions.
- Competitive executive compensation package with performance incentives.
- Opportunity to shape the financial inclusion landscape across emerging markets.
- Direct leadership role in a high-growth, foundational business venture.